| With the continuous development of information technology,the impact and impact of the emergence of new models and technologies on the banking industry continue to increase.In the face of current technological innovation,the transformation of banking business through digitalization has become the best choice for commercial banks.To this end,China’s commercial banks have completed their market competitiveness improvement through digital transformation,thereby avoiding being eliminated in competition.At the same time,as the core business field of commercial banks,credit business has also begun to explore digital transformation in the field of credit business.Based on the case of JS Bank Yangzhou Branch,this article analyzes the digital transformation of its credit business that has already been implemented,points out the problems,and puts forward suggestions to promote the sustainable and healthy development of JS Bank Yangzhou Branch’s credit business.This article first analyzes the current situation of the digital transformation of credit business in JS Bank Yangzhou Branch,and points out the problems and causes of the digital transformation of credit business in JS Bank Yangzhou Branch.Secondly,based on the analysis of the problems and causes,this article uses PEST and SWOT analysis methods to conduct environmental analysis on the bank’s further digital credit transformation.Finally,this article proposes five implementation suggestions for JS Bank Yangzhou Branch to further develop the digital transformation of credit business.The main conclusion of this article is that the digital transformation of credit business in commercial banks has become a development trend.Firstly,the digital transformation of credit business can improve the efficiency and convenience of credit work;Second,the digital transformation of credit business can effectively reduce credit risk and reduce the rate of non performing loans;Thirdly,the digital transformation of credit business can help integrate information data and credit management applications,and improve the credit management capabilities of commercial banks.JS Bank Yangzhou Branch needs to actively plan ideas and methods for the digital transformation of credit business,and take effective measures to futher develop the digital transformation of credit business based on the actual situation of JS Bank Yangzhou Branch. |
